The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$37,177
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,333
−HK$1,175/mo
Today · 4.125%
HK$39,508
baseline
▲ 0.50% · 4.625%
HK$41,912
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,016/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,359
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,468
−HK$1,125/mo
Today · 4.125%
HK$43,593
baseline
▲ 0.50% · 4.625%
HK$45,891
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,186/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,612
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,000
−HK$1,410/mo
Today · 4.125%
HK$47,410
baseline
▲ 0.50% · 4.625%
HK$50,294
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,820/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,630
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,961
−HK$1,351/mo
Today · 4.125%
HK$52,312
baseline
▲ 0.50% · 4.625%
HK$55,069
+HK$2,757/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,624/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,047
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,666
−HK$1,645/mo
Today · 4.125%
HK$55,311
baseline
▲ 0.50% · 4.625%
HK$58,677
+HK$3,366/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,622/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,902
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,455
−HK$1,575/mo
Today · 4.125%
HK$61,030
baseline
▲ 0.50% · 4.625%
HK$64,247
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,060/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,918
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,999
−HK$2,115/mo
Today · 4.125%
HK$71,114
baseline
▲ 0.50% · 4.625%
HK$75,441
+HK$4,327/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,228/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,446
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,442
−HK$2,026/mo
Today · 4.125%
HK$78,468
baseline
▲ 0.50% · 4.625%
HK$82,604
+HK$4,136/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,936/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,389 · Scale 2, in force from 26 Feb 2026)